{
  "brand": "Greater Bank",
  "brand_label": "Greater Bank",
  "brand_slug": "greater-bank",
  "legal_entity_abn": "96087651992",
  "public_base_uri": "https://public.cdr.greater.com.au",
  "logo_uri": "https://www.ngmgroup.com.au/globalassets/open-banking/greater-bank/images/greaterbank_stacked_openbanking.jpg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-04T13:00:00Z",
  "at_a_glance": {
    "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"low_rate","rank":7,"of":52,"product_label":"Visa Credit Card","card_type":"credit","purchase_rate_pct":9.95,"annual_fee":49.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":1000.0,"max_credit_limit":25000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "credit limit $1,000 to $25,000",
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.",
        "employment status: Have a demonstrated ability to afford repayments"
      ]
    },
    "unranked": {
      "products": 1,
      "base_rate_only": 1
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category",
  "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "3220",
      "product_name": "Visa Credit Card",
      "product_label": "Visa Credit Card",
      "product_slug": "visa-credit-card",
      "page": "/au/finance/credit-cards/cards/greater-bank/visa-credit-card/",
      "product_url": "https://www.greater.com.au/personal/credit-cards/visa-credit-card/",
      "terms_url": "https://www.greater.com.au/termsandconditions",
      "fees_url": "https://www.greater.com.au/siteassets/calculators-rate-and-support/documents/disclosure-documents/fees-and-charges/creditcard_feesandchargesform.pdf",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Low rate, low fee, personal credit card",
      "purchase_rate_pct": 9.95,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 9.95,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 49.0,
      "fee_period": "annual",
      "fee_as_stated": 49.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 2.0,
      "cash_advance_fee": null,
      "late_payment_fee": 20.0,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Google Pay",
        "Apple Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 9,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 25000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $1,000 to $25,000",
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.",
        "employment status: Have a demonstrated ability to afford repayments"
      ],
      "eligibility": [
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.",
        "employment status: Have a demonstrated ability to afford repayments"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 7,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3220",
      "source_snapshot": "/au/finance/credit-cards/v1/source/greater-bank/3220.json",
      "snapshot_at": "2026-11-05T06:23:13Z",
      "bank_last_updated": "2026-11-04T13:00:00Z",
      "from_issuer_page": null
    },
    {
      "product_id": "3215",
      "product_name": "Business Visa Credit Card",
      "product_label": "Business Visa Credit Card",
      "product_slug": "business-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/greater-bank/business-visa-credit-card/",
      "product_url": "https://www.greater.com.au/business/services/",
      "terms_url": "https://www.greater.com.au/termsandconditions",
      "fees_url": "https://www.greater.com.au/siteassets/calculators-rate-and-support/documents/disclosure-documents/fees-and-charges/businessvisacreditcard_feesandchargesform.pdf",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "Credit card for small business",
      "purchase_rate_pct": 6.96,
      "purchase_rate_is_base": true,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Base rate disclosed. Margins will be applied.",
      "cash_advance_rate_pct": 6.96,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 20.0,
      "fee_period": "annual",
      "fee_as_stated": 20.0,
      "annual_fee_stated": true,
      "annual_fee_note": "the feed lists several card fees; the lowest is shown, the others being $49.00 a year",
      "fee_name": "Card fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 2.0,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Google Pay",
        "Apple Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 9,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 100000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "the feed gives a base rate to which the bank adds a margin: Base rate disclosed. Margins will be applied.",
        "the feed lists several card fees; the lowest is shown, the others being $49.00 a year",
        "credit limit $1,000 to $100,000",
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.",
        "business: Businesses only"
      ],
      "eligibility": [
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.",
        "business: Businesses only"
      ],
      "ranked": false,
      "unranked_reason": "base_rate_only",
      "rankings": [],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3215",
      "source_snapshot": "/au/finance/credit-cards/v1/source/greater-bank/3215.json",
      "snapshot_at": "2026-11-05T06:23:13Z",
      "bank_last_updated": "2026-11-04T13:00:00Z",
      "from_issuer_page": null
    }
  ],
  "rows": [
    {
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "legal_entity_abn": "96087651992",
      "product_id": "3220",
      "product_name": "Visa Credit Card",
      "product_label": "Visa Credit Card",
      "product_slug": "visa-credit-card",
      "page": "/au/finance/credit-cards/cards/greater-bank/visa-credit-card/",
      "product_url": "https://www.greater.com.au/personal/credit-cards/visa-credit-card/",
      "terms_url": "https://www.greater.com.au/termsandconditions",
      "fees_url": "https://www.greater.com.au/siteassets/calculators-rate-and-support/documents/disclosure-documents/fees-and-charges/creditcard_feesandchargesform.pdf",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 9.95,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 9.95,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 49.0,
      "fee_period": "annual",
      "fee_as_stated": 49.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual fee",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 2.0,
      "cash_advance_fee": null,
      "late_payment_fee": 20.0,
      "additional_cardholder_fee": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "bt_revert_to": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Google Pay",
        "Apple Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 9,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 25000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit $1,000 to $25,000",
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.",
        "employment status: Have a demonstrated ability to afford repayments"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3220",
      "source_snapshot": "/au/finance/credit-cards/v1/source/greater-bank/3220.json",
      "snapshot_at": "2026-11-12T02:35:54Z",
      "bank_last_updated": "2026-11-04T13:00:00Z",
      "from_issuer_page": null,
      "rate_pct": 9.95,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 7,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    },
    {
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "legal_entity_abn": "96087651992",
      "product_id": "3215",
      "product_name": "Business Visa Credit Card",
      "product_label": "Business Visa Credit Card",
      "product_slug": "business-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/greater-bank/business-visa-credit-card/",
      "product_url": "https://www.greater.com.au/business/services/",
      "terms_url": "https://www.greater.com.au/termsandconditions",
      "fees_url": "https://www.greater.com.au/siteassets/calculators-rate-and-support/documents/disclosure-documents/fees-and-charges/businessvisacreditcard_feesandchargesform.pdf",
      "eligibility_url": null,
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "business"
      ],
      "segment": "business",
      "purchase_rate_pct": 6.96,
      "purchase_rate_is_base": true,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 6.96,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 20.0,
      "fee_period": "annual",
      "fee_as_stated": 20.0,
      "annual_fee_stated": true,
      "annual_fee_note": "the feed lists several card fees; the lowest is shown, the others being $49.00 a year",
      "fee_name": "Card fee",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 2.0,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "bt_revert_to": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Google Pay",
        "Apple Pay"
      ],
      "instalment_plan": false,
      "additional_cards": 9,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 100000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "the feed gives a base rate to which the bank adds a margin: Base rate disclosed. Margins will be applied.",
        "the feed lists several card fees; the lowest is shown, the others being $49.00 a year",
        "credit limit $1,000 to $100,000",
        "Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.",
        "business: Businesses only"
      ],
      "ranked": false,
      "unranked_reason": "base_rate_only",
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3215",
      "source_snapshot": "/au/finance/credit-cards/v1/source/greater-bank/3215.json",
      "snapshot_at": "2026-11-12T02:35:54Z",
      "bank_last_updated": "2026-11-04T13:00:00Z",
      "from_issuer_page": null,
      "rate_pct": 6.96,
      "rankings": []
    }
  ],
  "licence_shared_with": [
    "Newcastle Permanent"
  ]
}